EKI review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

EKI suits borrowers in Bosnia and Herzegovina who need a small, short fixed-rate loan and can show provable income and a clean credit history. Loan types cover personal, car, business, debt consolidation and secured lending, and money lands 2-3 business days after complete documentation is submitted once the paperwork is in.

Key facts

Best for
Small, short fixed-rate loans for residents of Bosnia and Herzegovina with clean credit histories.
APR
24.97% to 25.59% (Source, checked September 26, 2026)
Loan amount
BAM 300 to BAM 3,000 (Source, checked September 26, 2026)
Term
3 to 18 months (Source, checked September 26, 2026)
Arrangement fee
0 BAM (no processing fee on Ekspres pozajmice) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
2-3 business days after complete documentation is submitted (Source, checked September 26, 2026)
Representative example
Ekspres pozajmice 3.000 KM, rok otplate 18 mjeseci, NKS 22,50%, troškovi obrade 0,00%, EKS FBiH 24,97% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Adult BiH citizens with residence in BiH, no more than 75 years old at final loan repayment, provable income and clean credit history in the Central Credit Register; legal entities registered in BiH (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Car, Business, Debt-consolidation, Secured (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Mikrokreditna fondacija EKI (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
mkfeki.ba

Mortgages

Initial rate
22% (Source, checked September 26, 2026)
APRC
25.57% (Source, checked September 26, 2026)
Fixed period
5 years (Source, checked September 26, 2026)
Product fee
BAM 6 to BAM 200 (Source, checked September 26, 2026)
Purpose
Purchase, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Mikrokreditna fondacija EKI (Source, checked September 26, 2026)
Headquarters
Bosnia and Herzegovina (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • No processing fee on Ekspres pozajmice, quoted at 0 BAM (no processing fee on Ekspres pozajmice).
  • The rate is fixed for the whole term, so the instalment is set at the start and does not shift with the market.
  • Help runs across email, chat and phone.
  • EKI lends directly rather than through a broker, and has done since 1996.

Cons

  • Free early repayment is not offered, so clearing the balance before the end of the term carries a charge.
  • Credit checking is hard, and approval needs provable income plus a clean Central Credit Register history.
  • Home lending costs more: an initial rate of 22% with an 25.57% APRC and a product fee of BAM 6 to BAM 200.

Ready to try EKI?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • Adults resident in Bosnia and Herzegovina with provable income, a clean credit history and a maximum age in place at final loan repayment.
  • Legal entities registered in Bosnia and Herzegovina looking for a small business loan.
  • Borrowers with a defined purpose, such as a home improvement project, a car purchase or consolidating existing debt.

Who should look elsewhere

  • Monzo Flex, quoted at 10% to 23%, costs less than EKI's 24.97% to 25.59% and suits anyone who can reach it.
  • Cashspace, at PHP 12 to PHP 36, works for borrowers outside Bosnia and Herzegovina who want a lower rate band.
  • Cashspace ES, at 0%, is worth a look when the cost of borrowing matters more than the range of loan types.

How EKI compares

Where EKI is available

Available
Bosnia and Herzegovina

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on an EKI personal loan?+

The quoted APR is 24.97% to 25.59% on the Ekspres pozajmice product, which runs on a fixed rate. The representative example shown pairs the top of the BAM 300 to BAM 3,000 range with 3 to 18 and an EKS at the lower end of that rate band, so the cost of a short loan bites.

Is there an arrangement or processing fee?+

There is no processing fee on Ekspres pozajmice, quoted at 0 BAM (no processing fee on Ekspres pozajmice). Home purchase and home equity lending is treated differently, with a product fee of BAM 6 to BAM 200 on top, so the fee-free headline on the small personal product does not carry across to the housing side.

How much can I borrow and for how long?+

Amounts run BAM 300 to BAM 3,000 and terms run 3 to 18, so this is a small, short product rather than a multi-year loan. Because the rate is fixed, the instalment is set when the loan starts and does not move afterwards, which keeps budgeting simple for a planned expense.

What credit history do I need to apply?+

The credit check is hard and applicants need provable income plus a clean credit history in the Central Credit Register. Eligibility covers adults resident in Bosnia and Herzegovina, with a maximum age at final loan repayment, and legal entities registered in Bosnia and Herzegovina.

How fast do I get the money once I apply?+

Funding takes 2-3 business days after complete documentation is submitted, so the clock starts when the documentation is complete rather than at application. Help is available across email, chat and phone if anything in the pack is missing, which matters because the assessment runs on provable income and register history.

Can I repay the loan early without paying extra?+

Free early repayment is not offered, so settling the balance before the end of the 3 to 18 term carries a charge. Borrowers who expect to overpay or clear the debt sooner should ask for that charge before they sign, since it sits outside the quoted 24.97% to 25.59%.

What do EKI home loans cost?+

Home purchase and home equity loans quote an initial rate of 22%, carry an APRC of 25.57% and are fixed for 5. A product fee of BAM 6 to BAM 200 is added on top, and the fixed period is the main thing to weigh against the rate.

How can I contact EKI?+

Support runs on email, chat and phone, so a phone call, chat, email or the help centre all reach the same lender. EKI lends directly as Mikrokreditna fondacija EKI, so questions on an application, a payment or an early settlement go to the organisation that made the loan.

Sources

  • mkfeki.ba checked September 26, 2026

    Backs: Support channels

    “Kontaktirajte EKI službenika putem chata ... office@eki.ba ... Zakažite poziv ... ČPP”

  • mkfeki.ba/cesto-postavljana-pitanja checked September 26, 2026

    Backs: Credit needed, Free early repayment, Funding time

    “Kada zatvara kredit, a ne uzima novi, klijent plaća troškove zatvaranja kredita”

  • mkfeki.ba/ekspres-pozajmice-mkf checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “EKS FBiH/DB/RS 25,59% 24,97%”

  • mkfeki.ba/kako-postati-eki-klijent-mkf checked September 26, 2026

    Backs: Credit check, Eligibility

  • mkfeki.ba/kreditni-kalkulator-mkf checked September 26, 2026

    Backs: Loan types

    “Ekspres pozajmice, Krediti za domaćinstvo, Stambeni krediti, Robni krediti, Krediti za nabavku automobila, Startup krediti, Krediti za poljoprivredu, Krediti za refinansiranje”

  • mkfeki.ba/o-mikrokreditnoj-fondaciji-eki checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity, Lender type

    “MKF EKI Sarajevo, Bihaćka 17, Sarajevo, 71.000 Sarajevo, Bosna i Hercegovina”

  • mkfeki.ba/stambeni-krediti-mkf checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Product fee, Purpose

    “Stambeni krediti, 10.000 KM, 60 mjeseci, NKS 22,00%, troškovi obrade 2,00%, EKS FBiH/DB/RS 25,57%”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

EKI

Small, short fixed-rate loans for residents of Bosnia and Herzegovina with clean credit histories.

9.0/10See alternatives

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